5 Steps You Should Take to Do Your Own Credit Repair

Wondering how to do your own credit repair? Explore these five steps.

#1. Assess your credit score.

Before you can take any action to improve your credit score, you first need to know where you stand. Assess your credit score and determine whether you’re in good standing or not. If you’re searching for how to do your own credit repair, this is usually the first step.

Credit scores range from 300 to 850, and scores within the 700 to 740 range as usually considered good. So, when you get your credit report, assess it based on these standards to determine how much work you’ll need to do.

#2. Identify errors and dispute them.

If you’re wondering how to repair bad credit yourself, you need to look to potential errors on your credit report. On your credit report, mistakes will count against you. Sometimes, these mistakes are erroneous. If they are, you can dispute them with the credit bureaus. If you can prove that there is an error, the credit bureaus will remove that item from your credit report, instantly improving your score.

#3. Pay your bills on time.

One of the biggest mistakes you can make that impacts your credit score is failing to pay your credit card bills or loan payments on time. Make sure that you’re currently paying your bills on time so you’re not working against your efforts to improve your credit score. When you’re asking how to do your own credit repair, look to your own bill payment habits for a way to make improvements today.

#4. Pay down your debt.

Do you have a lot of debt? If so, that could be one of the reasons your credit score is bad. Make sure to pay down as much of your debt as possible when you’re wondering how to repair bad credit yourself.

Also, it’s wise to not incur more debt while you’re working to improve your credit score. So, delay big purchases until you’re in a more stable financial place.

#5. Partner with a credit repair consultant.

The best way to improve your credit score is to partner with a credit repair consultant. They know all the best strategies for getting your credit score to a better level, and they can build a successful case for why errors should be removed from your report. This is the best way to improve your credit score fast.

Weston Barnes is a write and an avid reader. When he's not writing about business, marketing, health, pets, or relationships, he's immersed in his latest book.